Worry Less, Explore More

Prepare for the unexpected with the Road Trip Insure travel protection plan.

When traveling by car, RV – or any vehicle in between – unexpected travel disruptions can upset your plans. Road Trip Insure is designed with you in mind, with benefits carefully selected to meet your needs.

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Why Road Trip Insure?

The Road Trip Insure Travel Protection Plan can cover pre-paid, non-refundable trip expenses if your trip is cancelled, delayed or interrupted for a covered reason.

The plan also provides coverage for Emergency Accident & Sickness Medical Expenses and Emergency Medical Evacuation which can cover illnesses or accidents incurred on your trip.*

* Primary health insurance plans may not always cover all expenses, even within the U.S.

Additional Plan Benefits

In addition to typical travel protection plan benefits like trip cancellation and baggage loss, Road Trip Insure offers coverage for the following scenarios for driving trips:

Important information for residents of MO, MT, NY, PA, and WA

Travel Inconvenience

You may be reimbursed for instances when your trip doesn’t go as planned: golf course or amusement park closure, beach closure, rainy vacation or rental car breakdown. (See Plan Document for specific conditions.)

Pet & Service Animal Travel Medical Expense

You may be reimbursed if your pet or service animal traveling with you requires emergency medical care during your trip. (Exclusions apply, see Plan Document for specific conditions.)

Emergency Accident & Sickness Medical Expense

You may be reimbursed for medical expenses if you or someone on your plan experiences a new injury or illness while on your trip.

Vehicle Coverage in Case of Interruptions

If your trip is delayed more than 12 hours due to vehicle breakdown or disablement of your vehicle (owned or rented), you may be eligible for reimbursement of up to $2,000 of additional expenses including towing cost and renting a vehicle to return home.

You may also be covered for Automobile Deductible Reimbursement of up to $2,000 if your vehicle is damaged or stolen during your trip.

Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR): Optional Plan Upgrade

For an additional cost, you can have the flexibility to cancel or interrupt your trip for any reason at all and be reimbursed up to 75% of your non-refundable, pre-paid trip expenses. (Must purchase your plan within 21 days of the date your original trip deposit is received to be eligible for this upgrade. Other conditions apply; not available in all states.)

One amount covers all travelers, up to 10 people.

U.S. residents only

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Plan Benefits

= not available in all states

Benefit Maximum Benefit Amount
Trip Cancellation 100% of non-refundable insured Trip Cost up to a maximum of $30,000
Optional Cancel for Any Reason 75% of non-refundable insured Trip Cost
Trip Interruption 100% of non-refundable insured Trip Cost up to a maximum of $30,000
Optional Trip Interruption for Any Reason 75% of non-refundable insured Trip Cost
Trip Delay (24 hours) up to $200 per day to a maximum of $600
Rental Car Damage Up to $2,000
Automobile Deductible Reimbursement Up to $2,000
Vehicle Breakdown or Disablement Up to $2,000
Vehicle Return Up to $5,000
Traveling Companion, Bedside Companion Daily up to $200 per day for 5 days
Travel Inconvenience
  • Closed Attractions
  • Beach Closure
  • Rainy Vacation
  • Rental Car Breakdown
$150 per each inconvenience up to a maximum of $600
Pet or Service Animal Return Up to $1,000 per Trip
Pet or Service Animal Travel Medical Expense Up to $1,000 per Trip
Medical Evacuation and Repatriation of Remains Benefit Up to $250,000
Search and Rescue Up to $5,000
Political or Security Evacuation and Natural Disaster Evacuation Up to $100,000
Baggage and Personal Effects
  • Musical Instruments
  • Golf Equipment
  • Medical Equipment
  • Passport, Visa, or Other Travel Document Replacement
  • Credit Card Charges and Interest
Up to $1,000 subject to per item maximum of $300
  • Included
  • Included
  • Included
  • Included
  • Included
Medical Equipment Rental Up to $1,000
Baggage Delay (12 hours) Up to $500
Emergency Accident & Sickness Medical and Dental Expense
  • Dental Expense sublimit
Up to $50,000
  • Up to $750

Frequently Asked Questions

If I cancel my trip, can I cancel my travel protection plan?

This plan comes with a 30-day Free Look period. If you are not satisfied for any reason, you may cancel this plan within 30 days from the date of purchase by providing USI Travel Insurance Services the cancellation notice. We will refund your plan cost provided there has been no incurred loss, you have not departed on your trip or filed a claim under this plan. Once the plan has been cancelled, all coverages under this plan are invalid from the beginning.

If the dates of your trip change, contact USI Travel Insurance Services to adjust your plan accordingly.

When should I buy my plan?

You may purchase the Plan as early as 15 months in advance or as late as 24 hours before your scheduled departure date. However, in order to be eligible for the Early Purchase Advantages (Cancel For Any Reason optional upgrade, Interruption For Any Reason optional upgrade and Pre-Existing Conditions Exclusion Waiver), you must purchase your plan within 21 days of the date your initial trip deposit is received. Even if you don’t buy your plan within the Early Purchase 21-day window, it benefits you to buy your plan as early as possible; your plan is effective the day after you purchase, meaning you would be eligible for Trip Cancellation benefits.

How do I calculate my trip cost?

Add together all pre-paid, non-refundable expenses for yourself and all others who are traveling with you. This may include: admission to parks, event tickets, vehicle rental, camping or hotel accommodations, etc.

My friend and I are going to be traveling together. Am I covered if my friend cancels their trip?

In this case, your friend would be considered a Traveling Companion as defined by the plan. If your friend cancels their trip for a reason covered in the plan, Trip Cancellation would apply for you. Your friend does not need to be on your plan for this to apply.

If I make changes to my trip (trip cost, number of people, dates, etc.), what do I need to do?

If you make any changes to your trip, please contact USI Travel Insurance Services as soon as possible to update your plan. Call us at 1-800-937-1387, Monday-Friday 9am-7pm Eastern Time.

What if I can’t take my trip due to a natural disaster (flood, wildfires, hurricane, etc.)?

If a natural disaster causes a mandatory evacuation preventing you from traveling to or arriving in your scheduled destination, coverage for Trip Cancellation may apply, in which case you may be reimbursed up to 100% of your pre-paid, non-refundable trip costs.

I’m traveling with several friends and staying in a rented house. Do we each need to buy a plan to be covered?

No, only one plan is required. Plans provide coverage per reservation (up to 10 individuals allowed per plan), rather than per person. Plan rates are determined per reservation according to total trip cost.

Does the coverage include rental vehicles as well as personal vehicles?

Yes, the coverage includes covers both rental and personal vehicles.

I’m driving with my family to a campsite. Would this plan be applicable?

Yes. When calculating your trip costs, be sure to include your costs for attractions, event tickets and any other pre-paid non-refundable trip costs.

Will this plan cover me if I am diagnosed with Covid prior to or during my trip?

Coverage for Covid-19 is not excluded on the plan, so depending on the circumstances, you may have coverage if you’re diagnosed by a physician with Covid-19 prior to or during your trip. Covid-19 is treated like any other illness under the plan, so coverage may apply for Trip Cancellation, Trip Interruption, Emergency Medical Expense and Emergency Medical Evacuation.

Does coverage inside the U.S. include Hawaii and Puerto Rico?

Yes, coverage includes travel in Hawaii and Puerto Rico.

If I need assistance while I’m traveling or if I have a question about coverage or claims, who do I call?

If you need assistance at any point during your trip, including questions about coverage or filing a claim, call the assistance company, On Call International, at 1-833-425-5104 (toll-free in the U.S.) or 1-603-952-2051 (anywhere in the world, collect). You can also email them regarding an emergency at mail@oncallinternational.com.

How do I file a claim?

To file a claim, please visit the claims administrator's website. (You do not need a Member Number to create your login; check the box to indicate "I don't know my Member/Policy Number.") If you need assistance, call USI Travel Insurance Services at 1-800-937-1387. We are here to support you as you navigate the claims process.

Insure your pre-paid, non-refundable trip expenses

What expenses would you lose if you had to unexpectedly cancel or interrupt your trip?

Vacation Rentals

Car or RV Rental

Amusement Parks

National Parks

Concert Tickets


Sporting Events


Download the Plan Document for your state of residence

Get full details including definitions, benefits, provisions, and claims procedures.

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This website contains highlights of the plans developed by USI Insurance Services, LLC which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by On Call International. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact USI Insurance Services, LLC d/b/a USI Affinity Travel Insurance Services with its principal place of business at 3805 West Chester Pike, Suite 200, Newtown Square, PA 19073; 1-800-937-1387; info@travelinsure.com. CA license #OG11911. While USI Insurance Services, LLC markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by USI Insurance Services, LLC and USI Insurance Services, LLC does not receive compensation from USF for providing the non-insurance components of the plans.